Date Received: 2023-08-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. C. 1681 section 602 A. State I the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also a consumer report agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C 1692C ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and.
Company Response:
State: TX
Zip: 77093
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I'm demanding proof of the purchase agreement, contract, or promissory note as evidence of indebtedness to continue to report such information to the consumer report. If such proof can not be provided in a matter of 14 days, it's considered identity theft because your company paid for my information which I did not authorize or consent to.
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ive submitted multiple letters to bureaus and not once has anybody sent me a response back
Company Response:
State: TX
Zip: 78582
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: 15, United States Code ( 15 USC 1692f ), is a provision within the Fair Debt Collection Practices Act ( FDCPA ). This section outlines various types of practices that debt collectors are prohibited from engaging in while attempting to collect a debt. It includes activities such as : Collecting amounts not authorized by the agreement or by law Accepting a post-dated check and then attempting to deposit it before the date on the check Communicating with consumers regarding debts by postcard Using any language or symbol on envelopes that indicates that the communication is from a debt collector Threatening to take action that can not legally be taken or that is not intended to be taken In summary, 15 USC 1692f specifies a range of practices that are considered unfair and abusive when collecting debts, aiming to protect consumers from inappropriate debt collection methods. Unfair Practices 15 U.S.C. 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. For example, a debt collector may not : Collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to Midland Credit Management directly and was emailed directly to their CEO & CFO with a copy of the 1099-c, which I have submitted here. Please immediately delete the following accounts immediately from my credit report! Immediate deletion of account and {$1000.00} per violation of the FCRA MIDLAND CREDIT MANAGEMENT COLLECTION FOR {$890.00}
Company Response:
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to Midland Credit Management directly and was emailed directly to their CEO & CFO with a copy of the 1099-c, which I have submitted here. Please immediately delete the following accounts immediately from my credit report! MIDLAND CREDIT MANAGEMENT COLLECTION FOR {$1500.00}
Company Response:
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Upon receipt of this notice, Im demanding you to cease further communication with me through all mediums including my consumer report through the consumer reporting agencies. You do not have my consent or the express permission of a court to communicate with any third party in connection with the collection of any debt pursuant to 15 USC 1692c ( b ). I refuse to pay such alleged debt and any noncompliance to such notice being given, will result in me having to exercise my consumer rights against you for failing to comply with the provisions of the Fair Debt Collection Practice Act pursuant to 15 USC 1692k.
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Upon Reviewing my emails, I had discovered I had received 2 emails on two different dates from a debt collection company. I then reviewed my credit report and at that time there was not anything reflecting on my credit report, from said collection agency. I sent a certified letter, and notarized letter on XX/XX/XXXX, I requested several pieces of documentation to prove validity of the debt listed below is what was requested. 1.The name and address of the original creditor 2. The original account number associated with the debt 3.The amount allegedly owed 4. Detailed information about the alleged debt, including the dates and amounts of all transaction history from the original creditor.if any interest or fees have accrued, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 5.Any and all original documents and or contracts including signatures in their entirety including terms and agreements, demonstrating my obligation to pay this debt. 6.In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership.Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in chain. 7.Proof of your authorization to collect this alleged debt on behalf of the original creditor 8.Proof your company is authorized to collect this alleged debt in the state of Arizona, including your third party debt collection bond. 9.Proof of any attempts your company made to collect the alleged debt. On XX/XX/XXXX I received a piece of mail with 3 pages of contents from what I believe is said collection agency as there was no return address on the envelope only on the one of 3 documents. The contents contained two bill statements from a credit card company, each single pieces of paper and its own document and the final piece was a very brief response to my request of validity. " Dear *Censored* We understand that youre inquiring about or requesting documentation about the accuracy of our records concerning this account. After reviewing the information, you provided our account notes and information provided by the previous creditor with an address of XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX we have concluded that our information is accurate. We have also enclosed documents regarding the account. If you believe we have reached this conclusion in error, please reference the information below : We have received the following information from you : Account balance is incorrect Next steps : In order for us to further investigate your inquiry, please provide the following : Copies of contracts, bills, or statements, showing amount owed and an explanation of disputed charges Some additional information about your account : Dated opened XX/XX/XXXX. Date of charge XX/XX/XXXX. Current servicer, XXXX, XXXX XXXX XXXX XXXX XXXX. Date purchased XX/XX/XXXX. Original purchase balance- {$940.00} Accrued interest- {$0.00} Accrued fees- {$0.00} Total payments adjustment applied- {$0.00} Paid in full if applicable For additional information you may contact us online at midlandcredit.com. You may also call customer resolutions at XXXX. Please call consumer support services at XXXX if you have any additional questions. Sincerely, XXXX XXXX XXXX XXXX XXXX " -- This response does NOT in any way validate this debt and the information that was sent is none of which I requested. The creditor also is now reporting this on my credit report, which based on my understanding of my rights breaks that liberty.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I believe this is MCM Midland Credit. This happened today XX/XX/23. An amount was not included on the voicemail. Received a call on my work phone from a person stating name is XXXX XXXX XXXX XXXX XXXX. Stating he was going to my employer regarding this matter and would be coming to my job. I never gave this place my work number so Im not sure how they got it. I never give out my work number. Provided phone number XXXX. This is not a way to collect a payment by false representing the company and call a persons job that never gave the phone number. Im sure they are probably doing this to other clients.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit, Reporting Act. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A